Common questions, plain answers.

Create your account from the sign-up button on any page. Sign-up takes about 5 minutes: verify your identity on our own screens (your Social Security number and date of birth, then a secure link we text to your phone), pick your plan, and pay.

Verification happens right on our screens, not a bureau's hosted page. Enter your Social Security number and date of birth, then we text a secure link to your mobile; tap it to confirm it's really you. Usually takes 30 to 60 seconds.

Nothing has been charged: verification happens before payment. Try again right on the screen. It most often fails because the bureau has an old mobile number or address on file, not because anything is wrong with you or your credit. If it still does not go through, the screen shows what you can do next.

FundReadi, one word, said "fund ready". People also type it as Fund Readi, and both spellings lead here. The Readi spelling is ours: the FundReadi Report and the FundReadi Score carry it, and FundReadi is a product of AdvisorHub LLC.

Usually a minute or two after checkout. Once you've verified your identity and paid, we request your first credit reports and your dashboard fills in with your real scores and tradelines. Your first FundReadi Report starts generating right away on every monitoring plan, and a new one runs automatically after each monthly refresh.

Continuous monitoring is on Equifax, where changes are flagged within a day of Equifax reporting them. Tri-bureau reports (Equifax, Experian, and TransUnion side by side) refresh monthly on Standard and Premium; Premium members also get a new FundReadi Report whenever their file changes, up to once a day.

No. FundReadi monitors your consumer credit file, the one in your name at Equifax, Experian, and TransUnion. We do not pull business credit files (Dun & Bradstreet, Experian Business, or Equifax Business). The business funding journey reads that same personal file against business lenders, because most business lenders underwrite the owner first, and adds the facts about the business you enter in a short questionnaire: entity type, time in business, and revenue.

Two separate things. Your tri-bureau reports (score, tradeline balances, new accounts, inquiries) refresh monthly on all three bureaus. Alerts run on your Equifax file: when Equifax reports a new account, a balance jump, a fresh inquiry, or a derogatory mark, we flag it within a day, by email and in the app. So the full three-bureau picture refreshes monthly, and Equifax changes reach you within a day of the bureau reporting them.

Soft. Every pull we make is a soft inquiry, which does not affect your credit score. Hard inquiries happen only when you formally apply for credit at a lender, outside of our platform.

A tradeline is any line of credit on your bureau file, credit cards, auto loans, mortgages, student loans, store cards. Each one shows balance, limit, status, and 24 months of payment history color-coded by month.

Utilization is the portion of your revolving credit limits you're currently using. Lower is generally better: under 30% is commonly treated as healthy, and the strongest files often sit under 10%. Utilization is one of the biggest factors in VantageScore 3.0, and it's the one that moves fastest.

Your credit file record lists each bureau's own dispute page, phone number, and mailing address. You dispute directly with the bureau that shows the error, at no cost; we don't dispute anything on your behalf. Under federal law the bureau generally has 30 days to investigate.

A bureau file with fewer than three tradelines or less than 6 months of credit history. Lenders generally need a thicker file before they'll extend significant unsecured credit, the funding readiness analysis tells you which tradelines to add and in what order.

From your own file. The range starts from the credit limits your revolving accounts already carry, scaled by your readiness score, then cut for anything a lender would hold against it: high utilization, a recent late payment, a collection, or a missing bureau. It is an estimate of what your file supports today, never an offer of credit.

No. The range is indicative. Real offers depend on lender underwriting at the moment of application, which considers cash flow, business deposits, and lender relationships that aren't on your bureau file. We're an analysis, not an approval.

No. We are not a lender or broker. We don't place loans, take a cut from any lender you apply to, or refer you to lenders for compensation. We tell you what funding looks realistic; you apply at the lender directly.

The analysis is informational, not authoritative. If you have context the bureau file doesn't reflect, strong cash flow, lender relationships, recent revenue growth, your actual offers may exceed the range. The analysis is the starting point, not the ceiling.

On every monitoring plan, a new analysis runs automatically after each monthly refresh. Standard includes one FundReadi Report summary a month. On Premium you also get a new analysis whenever your file changes (a new pull or an alert) or you update your funding profile, up to once a day, and every run includes the complete Report. Your tri-bureau data refreshes monthly on Standard and Premium.

No. You enter your Social Security number on our identity screen; it passes through our server to our credit-data partner to verify your identity and is never stored. The credit reports we keep, encrypted with AES-256-GCM, may show the last four digits, as the bureaus report them.

If you cancel, your reports, analyses and portal stay available to the end of the period you've paid for; credit alerts and report refreshes run until the day before the last day of the month you cancel in, then pause (the exact date is shown when you cancel). After your access ends, any report links you shared stop working; your history is kept and comes back if you return. To close your account, email info@fundreadi.com: closing stops monitoring and billing, and we keep your records under our retention schedule rather than deleting them, so you never have to start over. If a privacy law gives you the right to have your data deleted, email info@fundreadi.com and we'll honor the request as that law requires. No ad partners, no data brokers, no resale.

You, and a small number of our staff. The founder and our operations team can view member accounts through access-controlled admin tools, and use that access for support, billing, and running the service. Our AI provider only ever receives redacted data, and we never sell your data or give it to lenders.

The Fair Credit Reporting Act governs how consumer credit data is obtained and used. We request your credit data through our credit-data partner only with your written authorization, use it for your own monitoring and analysis, use soft inquiries only, and point you to each bureau's own dispute process if something on your file is wrong. The security page has the details.

Standard ($29/mo), Equifax monitoring + monthly tri-bureau report + alerts + your monthly FundReadi Report summary. Premium ($49/mo), everything in Standard plus the complete FundReadi Report, a new analysis whenever your file changes (up to once a day), one included business journey (additional businesses $15/mo each), and PDF exports and share links.

Yes. Cancel from your portal, no support call required. Your reports, analyses and portal stay open until the end of the cycle you've already paid for; credit alerts and report refreshes run until the day before the last day of the month you cancel in (the exact date is shown when you cancel). Then access ends, and any report links you shared stop working. Download anything you want to keep before then. Your history is kept in case you come back.

Subscriptions are non-refundable except where the law requires a refund, plus three specific cases: (1) you pay for a monitoring plan and we can't activate your credit monitoring afterward, (2) a FundReadi Report your plan includes fails on our side and still isn't delivered 7 days later (we rebuild it first, at no charge) or can't be built because the credit data we received was incomplete, and (3) a billing error, such as being charged twice for the same period. Email info@fundreadi.com with any billing question. Full policy lives on our Refund Policy page.

All major credit and debit cards. ACH and wire are not supported at launch.

Your first charge is at checkout. After that, plans bill monthly on the same day of the month. If you sign up on the 29th, 30th, or 31st, you're billed on the 1st instead, and your first month runs a few days longer at no extra cost (sign up October 30, next charge December 1). Checkout shows your renewal date before you pay.

Change plans anytime from your portal. An upgrade takes effect immediately: you pay the monthly price difference between your plan and the new one that day, and the new price applies from your next billing date. Downgrades take effect at your next billing date, and you keep your current plan's features until then.

Yes. Subscription charges are automatic. We send a billing reminder email three days before each renewal, cancel anytime from the portal before that to avoid the next charge.